Seattle, WA · Charter 7968
Q3 2014
Board Package
Performance Trends and Peer Comparison
Quarter: Q3 2014, the quarter ended September 30, 2014, on both parts.
Income statement: year to date as filed, annualized, on both parts.
Balance sheet: as filed at quarter end.
No peer standings are published for this institution and quarter.
Peer groups below the disclosure floor are suppressed.
Seattle, WA · Charter 7968
Q3 2014
Return on Assets (YTD, annualized)
Net Interest Margin (YTD, annualized)
Efficiency Ratio (YTD, annualized)
Net Worth / Assets
Year to date, annualized, through each quarter.
| Metric | Q4 2012 | Q1 2013 | Q2 2013 | Q3 2013 | Q4 2013 | Q1 2014 | Q2 2014 | Q3 2014 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | -0.11% | -4.23% | -3.01% | -3.00% | -2.31% | -0.89% | -1.04% | -7.33% | -434 bps | |
| Return on Equity | -0.56% | -21.76% | -15.51% | -15.81% | -12.25% | -4.89% | -5.81% | -51.52% | -3,571 bps | |
| Net Interest Margin | 4.56% | 4.41% | 4.46% | 4.48% | 4.43% | 4.01% | 4.02% | 4.22% | -26 bps | |
| Efficiency Ratio | 102.31% | 106.99% | 106.96% | 108.13% | 107.45% | 120.77% | 124.39% | 263% | +15,459 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -0.68% | -2.31% | -4.50% | -3.11% | -4.62% | -1.00% | 0.77% | -4.34% | -123 bps | |
| Loan Growth (YoY) | 0.37% | 6.39% | -4.17% | 1.31% | -1.39% | -4.16% | 1.72% | -5.55% | -686 bps | |
| Share Growth (YoY) | -0.53% | -1.40% | -3.74% | -1.16% | -2.95% | 0.47% | 2.77% | 1.46% | +262 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 2.91% | 1.11% | 0.67% | 0.71% | 0.94% | 1.57% | 1.99% | 3.91% | +320 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 1.79% | 2.56% | 2.71% | 3.17% | 3.29% | 3.05% | 3.04% | 3.26% | +8 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 20.17% | 19.45% | 19.40% | 18.95% | 18.84% | 18.24% | 17.96% | 14.24% | -471 bps | |
| Net Worth / Assets | 20.17% | 19.45% | 19.40% | 18.95% | 18.84% | 18.24% | 17.96% | 14.24% | -471 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 61.89% | 63.83% | 62.58% | 64.73% | 62.89% | 60.89% | 61.94% | 60.25% | -447 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |